All right.
I have only five minutes, so I'm going to direct a question to the Assiniboine Credit Union.
Yesterday the matter of the section 95 co-ops came up. I'm of the view that when a business arrangement is made, only if it's beneficial to both parties should it be broken. We found out in one instance yesterday that the mortgage rate for four years outstanding was at 1.2%. In that case I would have thought that the CMHC could easily arrange for a small penalty, or even no penalty, so that the co-op could borrow more, do the repairs required, generate more economic activity by doing that, and at the same time get a higher than 1.2% return by just buying a Government of Canada bond, for instance.
Would you agree that where there's a lower mortgage rate, and basically the loan that's being repaid could be reinvested at a higher rate, that is the circumstance where, indeed, there should be flexibility?